As a no-fault state with high minimum insurance requirements, Minnesota definitely isn’t the cheapest state to secure car insurance. But using a comparison app to view quotes from multiple providers can definitely help you save.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Minnesota. And if you want to learn more about car insurance rates in Minnesota, keep reading.
Find the cheapest car insurance in Minnesota with Jerry
To get the best insurance rates in Minnesota, you’ll want to compare rates from a number of different insurance companies. Sticking to your go-to insurer year after year could mean paying more than you need to for your coverage.
Here’s how much Jerry customers were paying for car insurance in Minnesota before they compared quotes and switched plans with Jerry:
Best insurance companies for cheap insurance in Minnesota with Jerry
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Minnesota.
Cheapest minimum coverage car insurance in Minnesota
The minimum required insurance coverage varies depending on your state laws. In Minnesota, drivers must have the following:
$30,000 bodily injury liability per person
$60,000 bodily injury liability per accident
$10,000 property damage liability per accident
$40,000 personal injury protection (PIP)
$25,000 per person and $50,000 per accident uninsured motorist coverage
$25,000 per person and $50,000 per accident underinsured motorist coverage
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Minnesota:
Additional coverages you might want to consider when shopping for car insurance in Minnesota
Coverage to consider
Wind and rain storms, tornadoes, and hail storms are serious risks in Minnesota and can cause extensive damage to vehicles. Comprehensive insurance covers repair costs for damage related to weather events.
With lots of rural roads, roadside assistance can be a helpful add-on to your policy. It can help you with towing, battery boosts, locksmith services, and tire changes.
Though the minimum insurance requirements in Minnesota are pretty thorough, securing additional coverage is generally a good idea to address state-specific risk factors.
Best carriers for minimum coverage car insurance in Minnesota
It’s not a good idea to drive without minimum liability insurance in Minnesota. Your first offense alone will get you a fine of anywhere from $200–$1,000, potential 30-day license suspension, and an SR-22 certificate requirement—and the penalties increase from there.
Comparing rates with different insurers can help you find the most affordable coverage so that you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Minnesota:
Minnesota is pretty strict when it comes to the mandatory minimum insurance requirements—but purchasing more coverage can protect you financially and provide greater peace of mind.
Cost to insure your car in Minnesota by age
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Teen drivers continue to be overrepresented in Minnesota traffic crashes because of driver inexperience, distractions, speeding and other risky driving behaviors, and failing to use seatbelts. In 2019, 16% of all car accidents involved teenage drivers.
This added risk is why insurers charge higher premiums to young drivers.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Cost of insurance for drivers in Minnesota with a bad driving record
Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
Depending on the circumstances, serious violations can remain on your driving record for up to a decade. This will deem you a high-risk driver in the eyes of insurance companies and will significantly impact your premium for an extended period.
The good news is that Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Cost of insurance for young drivers in Minnesota with a bad driving record
Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Minnesota has a graduated driver’s licensing system that is intended to help ease new driver’s into the driving environment. While it’s helped to reduce crashes involving teens, statistics still show that young drivers are most likely to engage in dangerous driving behaviors.
Rates remain high since insurance companies must take on so much additional risk to insure a young driver with a violation on their record.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Generally speaking, car insurance rates are reasonable throughout Minnesota. The state is mainly rural and has a low population density—and for insurance companies, that means lower risk of accidents and vehicle theft.
Here are the top 10 cheapest cities for car insurance in Minnesota:
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.